Enova International (FRA:27E) Cyclically Adjusted FCF per Share: € (As of Jun. 2026)

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FRA:27E Enova International Inc FRA:27E
88 GF Score
Price €155.00
GF Value €124.45
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Enova International Cyclically Adjusted FCF per Share?

Enova International FRA:27E +3.33% 88 Cyclically Adjusted FCF per Share is € as of Jun. 2026. GuruFocus rates FRA:27E with a GF Score™ of 88/100 and a GF Value™ of €124.45 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Enova International's adjusted free cash flow per share for the three months ended in Jun. 2026 was €17.489. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is for the trailing ten years ended in Jun. 2026.

During the past 12 months, Enova International's average Cyclically Adjusted FCF Growth Rate was 25.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 19.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Enova International was 19.60% per year. The lowest was 16.30% per year. And the median was 17.95% per year.

As of today (2026-09-21), Enova International's current stock price is €155.00. Enova International's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was . Enova International's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Enova International was 7.45. The lowest was 1.63. And the median was 2.79.


Enova International  (FRA:27E) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Enova International was 7.45. The lowest was 1.63. And the median was 2.79.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Enova International Cyclically Adjusted FCF per Share Related Terms


Enova International Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Enova International's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enova International Cyclically Adjusted FCF per Share Chart

Enova International Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
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Enova International Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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FRA:27E vs CACC, KLAR, SLM: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Enova International's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Enova International Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Enova International's Cyclically Adjusted Price-to-FCF falls into.


FRA:27E
88GF Score
Enova International Inc FRA:27E
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Enova International Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Enova International's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=17.489/333.9520*333.9520
=17.489

Current CPI (Jun. 2026) = 333.9520.

Enova International Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 3.162 241.428 4.374
201612 2.733 241.432 3.780
201703 3.245 243.801 4.445
201706 1.577 244.955 2.150
201709 2.726 246.819 3.688
201712 3.211 246.524 4.350
201803 3.522 249.554 4.713
201806 3.407 251.989 4.515
201809 4.220 252.439 5.583
201812 5.542 251.233 7.367
201903 5.543 254.202 7.282
201906 4.915 256.143 6.408
201909 4.959 256.759 6.450
201912 6.504 256.974 8.452
202003 6.839 258.115 8.848
202006 6.686 257.797 8.661
202009 2.935 260.280 3.766
202012 2.248 260.474 2.882
202103 2.434 264.877 3.069
202106 2.080 271.696 2.557
202109 2.278 274.310 2.773
202112 3.475 278.802 4.162
202203 3.665 287.504 4.257
202206 6.519 296.311 7.347
202209 7.316 296.808 8.232
202212 7.567 296.797 8.514
202303 7.740 301.836 8.564
202306 8.136 305.109 8.905
202309 7.454 307.789 8.088
202312 9.397 306.746 10.230
202403 10.535 312.332 11.264
202406 11.721 314.175 12.459
202409 12.273 315.301 12.999
202412 15.300 315.605 16.189
202503 13.261 319.799 13.848
202506 13.477 322.561 13.953
202509 14.391 324.800 14.797
202512 16.047 324.054 16.537
202603 15.045 330.213 15.215
202606 17.489 333.952 17.489

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of € mean?
Enova International (FRA:27E) has a Cyclically Adjusted FCF per Share of € as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Enova International and its competitors.
Is Enova International's Cyclically Adjusted FCF per Share too high?
Enova International's current Cyclically Adjusted FCF per Share is €. Overall, Enova International has a GF Score™ of 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Cyclically Adjusted FCF per Share compare to CACC and KLAR?
Enova International's Cyclically Adjusted FCF per Share of € can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Enova International and its competitors. Enova International's current Cyclically Adjusted FCF per Share is €. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enova International stock overvalued right now?
Based on GuruFocus' analysis, Enova International (FRA:27E) is currently considered Modestly Overvalued. The stock's GF Value™ is €124.45, compared to a current price of €155.00 — trading 24.5% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €. Enova International's overall GF Score™ is 88/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Enova International (FRA:27E), the current Cyclically Adjusted FCF per Share is € as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Enova International (FRA:27E) Overvalued in 2026?

Based on GuruFocus' analysis, Enova International stock appears to be overvalued. The current stock price of €155.00 is trading 24.5% above its estimated GF Value™ of €124.45. GuruFocus considers Enova International to be Modestly Overvalued.

Key valuation signals for FRA:27E:

  • Cyclically Adjusted FCF per Share:
  • GF Value™: €124.45 vs. price of €155.00 (24.5% above fair value)
  • GF Score™: 88/100 with 7 warning signs

No single metric tells the full story. See the FRA:27E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Enova International Business Description

Other Exchanges ENVA:USA
Address 175 West Jackson Boulevard, Suite 600, Chicago, IL, USA, 60604
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
88GF Score

Get the complete analysis for FRA:27E

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€155.00
Price
€124.45
GF Value